Credit Officer- Loan Appraisal at United Women Sacco
United Women Sacco
Job description
Credit Officer- Loan Appraisal at United Women Sacco
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Posted: Oct 21, 2026
Deadline: Nov 6, 2026
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United Women Sacco was registered on March 19,2001 as a Sacco for Business and Professional women. In 2013 the Sacco opened its doors to incorporate male members.
Credit Officer- Loan Appraisal
Job Type Full Time , Onsite
Qualification BA/BSc/HND , Diploma
Experience 3 years
Location Nairobi
Job Field Finance / Accounting / Audit
Role Purpose
To implement credit policies and procedures pertaining to loan issuance and appraisal.
Responsibilities and Duties
Register and process loan applications by verifying supporting documents in line with Sacco policies and procedures and maintaining an up-to-date loan register.
Analyze applicants’ eligibility, creditworthiness, repayment capacity through assessment of their income and credit repayment history.
Ensuring timely appraisal and assessment of risks for all loan applications.
Maintain consistent communication with members throughout the loan application process.
Prepare daily, weekly and monthly reports on loan applications, approvals and disbursements.
Conduct pre and post-loan disbursement member visits to gather relevant information and ensure that loan proceeds are utilized in accordance with the approved purpose.
Ensure all offer and disbursement letters; and loan repayment schedules are communicated to the member after loan issuance.
Collaborate with the Recovery and Accounts teams to ensure smooth transition from loan disbursement to repayment monitoring.
Qualifications and Experience
A Degree in Commerce / Business Administration or any other related field with at least CPA Part II.
A Diploma in Co-operative Management or Certified Credit Professional (CCP) course will be an added advantage.
At least 3 years’ relevant experience in the financial sector.
SKILLS & COMPETENCES
Good verbal and written communication skills, including effective handling of telephone and email enquiries.
Strong analytical and reporting skills
Willingness to learn and be flexible in the working arrangements.
Proficient in MS Office applications and core banking systems
Ability to work as member of the team.
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